Real Estate & Investor Insurance
Comprehensive insurance solutions for California real estate investors and property owners, from single-family rentals to 100+ unit multifamily properties
Specialized Real Estate Investment Insurance
Real estate investment insurance is specialized coverage designed for property owners and investors who rent residential properties. Whether you own a single-family rental, a duplex, or a large multifamily complex, we provide comprehensive protection tailored to your portfolio.
Why Specialized Coverage Matters: Standard homeowners insurance doesn't cover rental properties. You need habitational property insurance that addresses tenant-related risks, loss of rental income, liability exposures, and the unique challenges of managing investment properties.
We work with carriers who specialize in real estate investment properties and understand the California rental market, providing competitive rates for both new investors and experienced portfolio owners.
Comprehensive Property Coverage
Property Damage Coverage
Protection for your building structure, systems, and fixtures against fire, wind, hail, vandalism, and other covered perils.
Loss of Rental Income
Coverage for lost rental income when your property becomes uninhabitable due to a covered loss, protecting your cash flow during repairs.
Liability Protection
Coverage for bodily injury and property damage claims from tenants, guests, or third parties on your rental property.
Fair Rental Value
Reimbursement for lost rental income if you need to relocate tenants or cannot rent units due to covered property damage.
Building Ordinance Coverage
Protection for increased costs to rebuild to current building codes after a covered loss, especially important for older properties.
Umbrella Liability
Additional liability coverage above your primary policy limits, providing extra protection for your personal assets.
Property Types We Cover
We provide insurance for all types of residential investment properties:
Single-family rental homes
Duplexes, triplexes, and fourplexes
Small multifamily (5-20 units)
Mid-size apartment buildings (21-50 units)
Large multifamily complexes (50-100+ units)
Mixed-use properties with residential units
Common Claim Scenarios
Tenant Slip and Fall
A tenant slips on a wet stairway and suffers injuries, filing a liability claim against the property owner for medical expenses and lost wages.
Fire Damage
A kitchen fire damages multiple units, requiring extensive repairs and temporary relocation of tenants, resulting in lost rental income.
Water Damage from Plumbing Failure
A burst pipe floods several units, damaging flooring, drywall, and tenant belongings, requiring emergency repairs and tenant relocation.
Vandalism and Theft
Vacant units are vandalized and appliances stolen, requiring repairs and replacement before new tenants can move in.
Related Insurance Products
Umbrella Insurance
Additional liability protection above your primary policy limits for extra peace of mind.
Learn More →General Liability
Essential coverage for property management operations and business activities.
Learn More →Commercial Property
Coverage for mixed-use properties with commercial spaces and residential units.
Learn More →Get Your Real Estate Insurance Quote Today
Whether you own a single rental property or a large multifamily portfolio, we'll find you comprehensive coverage at competitive rates.
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